A credit card is a great solution for those who need to make purchases and don't have cash. After all, how many people face unexpected circumstances, like a sick child, a broken appliance, and the like?

However, can unemployed people apply for a credit card? Do financial institutions and banks offer this service to those without a job?

Find out here if you, without a steady job, can apply for a credit card and how it works, if it is approved!

Why is it so difficult for the unemployed to get a credit card?

When we talk about "credit," we're referring to something that will be paid back within a specific period of time. In the case of cards, this period is one month, which is the time during which the bill is closed.

However, if the person does not have a steady, registered job, there is some concern on the part of the bank that it will not be possible for the credit granted to be paid back in the future.

This is why credit cards are a little harder to get for people who don't have a job.

How do I know if I can apply for a credit card if I'm unemployed?

Anyone who wants to know if they can access this banking service even without a job needs to run a simulation on the financial institutions' and banks' websites.

In this simulation, the citizen chooses which card they would like to have, provides information about their financial situation, monthly income, and awaits a credit analysis by specialists.

Within approximately 48 hours, the financial institution will respond whether the credit card will be authorized and will inform you how it will be received: some people prefer to collect the card at a nearby bank branch.

What does it take for an unemployed person to apply for a credit card?

Typically, unemployed people can apply for a credit card by providing documents such as:

  • Updated proof of address
  • CPF
  • Photo ID

Of course, normally, the financial institution or bank asks for proof of income, but this is no longer required when the person informs that they are unemployed.

In general, credit card applications can be made at financial institution branches or branches, but many offer the option of applying for cards through their website.

Having trouble? Try banks that don't require proof of income!

Generally, most traditional banks do not issue credit cards to unemployed people because they require up-to-date proof of income.

However, more modern financial institutions and banks tend to ignore this criterion: after all, the important thing is that customers pay the bill, and often they do so even without being registered with any company.

Therefore, if you want a credit card, are unemployed, and have only received negative responses so far, try financial institutions that don't ask for proof of income, especially online banks!

Also, fill in your details and find out more cards you can order!

credit card for unemployed